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Carter Bankshares, Inc. CARE Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$38.1MMiss by $2.6M
EPS$0.26Miss by $0.13
Revenue estimate$40.8M
EPS estimate$0.39

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$47.2M
EPS estimate$0.53

Financials

Q3 2025

Income statement

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Revenue$39.1M+14.2%
Net income$5.4M-3.7%
EPS (diluted)$0.240.0%

Balance sheet

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Total equity$412.8M+6.7%
Total assets$4.8B+4.9%

Cash flow

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Operating cash flow$11.8M+14.6%
CapEx$1.5M-18.1%
Free cash flow$10.3M+21.9%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$440.02M+10.8%
P/E14.1×-10.3×
P/S3×0.0×

Profitability

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Net margin21.1%+8.8pp
FCF margin21%—

Returns & leverage

See full
Return on equity7.8%+3.3pp

Segments

By product

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Service Charges on Deposit Accounts$1.5M-0.5%
Other Fees and Other Income$956.5K+92.9%
Annual Commission on Investment$618.8K-28.8%
Customer Commissions$48.8K+17.5%
Special Production Payout$14.5K+34.9%

Versus estimates

Revenue

Q2 2026$68.7MBeat by $12.8MQ1 2026$106.9MMiss by $13.6MQ4 2025$39.8MMiss by $829.0K
Q3 2025$38.1MMiss by $2.6M
Q2 2025$39.9MBeat by $1.3MQ1 2025$36.0MMiss by $3.1M

Diluted EPS

Q2 2026$1.31Miss by $0.13Q1 2026$0.40Miss by $3.51Q4 2025$0.41Beat by $0.08
Q3 2025$0.26Miss by $0.13
Q2 2025$0.41Beat by $0.10Q1 2025$0.32Beat by $0.02

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Questions, answered.

When did Carter Bankshares, Inc. report Q3 2025 earnings?
Carter Bankshares, Inc. (CARE) reported Q3 2025 earnings on October 23, 2025 before market open.
What were Carter Bankshares, Inc.'s Q3 2025 revenue and EPS?
Carter Bankshares, Inc. reported revenue of $38.1M and eps of $0.26 for Q3 2025.
Did Carter Bankshares, Inc. beat estimates in Q3 2025?
Revenue missed the consensus estimate of $40.8M by $2.6M. EPS missed the consensus estimate of $0.39 by $0.13.
How did Carter Bankshares, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.4% from $33.3M a year earlier and eps grew 8.3% from $0.24.
Where can I find Carter Bankshares, Inc.'s Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001829576-25-000068) directly on SEC EDGAR. The filing index links above go to sec.gov.